she was a key member of the administration team that wrote and passed obama care. and james capretta with the ethics and public policy center. well, it only has been hours since the upgrade of healthcare.gov. from what you can tell so far, jim, start with you, has it been fixed? >> well, it is very hard to tell. we won't know for at least a month or so. the real test of healthcare.gov is whether or not you make the right payment for the right people to the right insurance plan. it is very easy to fix the front end enrollment if you turn off controls on the back end. it is clear from multiple media reports that the system is still not accurate when it makes payments to the insurance plan. in fact, they're doing a work around. they're going to actually make large lump sum payments to the insurance plan, based on self-reporting from the insurance companies instead of actual individual subsidy calculations. they're working around the whole problem instead of actually solving it. >> let me pick up on that with you, neera. what we hear is that while the i.t. specialists